1. How do I get the RM8 Cashback?

   To receive the RM8 Cashback, you must download the HLB Connect App, enter your friend’s referral code during your account application, and make a minimum initial deposit of RM50 when opening your new account.

2. How do I get the 5.60% p.a. Bonus Rate (RM7 Bonus Cashback)?

   To earn the RM7 Bonus Cashback (equivalent to an effective promotional rate of 5.60% p.a.), you must keep a balance of RM1,500 or more in your newly opened account during your first month.

3. How is the 5.60% p.a. effective bonus rate calculated?

   The 5.60% p.a. effective bonus rate is represented by a one-time fixed RM7 Bonus Cashback payout when maintaining a balance of RM1,500 for 1 month. The annualised calculation is:

   
   
   

   (Note: The RM7 Bonus Cashback is credited once as a promotion reward, not as a recurring monthly interest rate.)

4. Will I get more cashback if I deposit more than RM1,500?

   No. The RM7 Bonus Cashback is a fixed one-time payout. Maintaining a balance higher than RM1,500 will not increase your cashback reward beyond RM7.

5. What happens if I keep less than RM1,500 in my account?

   You will still receive the RM8 Cashback as long as you opened your account with a minimum deposit of RM50. However, you will not qualify for the RM7 Bonus Cashback, which strictly requires maintaining a minimum balance of RM1,500 in your first month.

6. Who is eligible to apply as a referee?

   You must be new to the specific account category you are applying for:

   
   
   • Personal Account: You do not currently hold an active HLB/HLB Islamic Personal Savings or Current Account, and have not closed one in the last 12 months.
   • Business Account: You do not currently hold an active HLB/HLB Islamic Business Account for Sole Proprietorship, and have not closed one in the last 12 months.
   
   

   (Note: If you previously held or closed a Personal Account, you can still apply for a Business Account using a referral code. Similarly, if you previously held a Business Account, you can apply for a Personal Account.)

7. What if I forgot to enter my friend's referral code during registration?

   The referral code must be typed into the Referral Code box during the application in the HLB Connect App. Codes cannot be added after the application has been submitted.

8. When will I receive my RM8 and RM7 Bonus Cashback?

   Cashback will be credited directly into your active HLB/HLB Islamic savings or current account. For friends who open an account in between 15 September to 31 October 2026, your cashback will be credited by 15 December 2026. For friends who open an account by 15 November 2026, your cashback will be credited by 15 January 2026.

9. Why will your family and friends find this Pay&Save Account/-i the best personal account for them?

   Pay&Save Account/-i is the best personal account for them because they can:

   
   
   • Save and pay in MYR and up to 21 foreign currencies.
   • Get a debit card/-i delivered to their doorstep with issuance fees waived.
   • Use Apple Pay, Google Pay, or Samsung Pay by linking their debit card/-i
   • Scan and pay in China using the HLB Connect App with zero transaction fees

10. Why will your family and friends find this Pay&Save Account/-i the best business account for their Sole Proprietor or small business?

    Pay&Save Account/-i is the best business account for them because they can:

    
    
    • Open a business bank account under their official registered business name.
    • Save and pay in MYR and up to 21 foreign currencies.
    • Receive a business debit card/-i delivered to their doorstep with issuance fees waived.
    • Receive a complimentary DuitNow Starter Kit to collect payments from local customers easily.
    • Scan and pay in China using the HLB Connect App with zero transaction fees.

For HLB conventional accounts, the RM7 Bonus Cashback is mathematically equivalent to a promotional rate of 5.60% p.a. for Month 1. For HLB Islamic accounts, it is distributed as a Hibah.